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lissa coffey
EMI OPTION FOR CREDIT CARD PAYMENTS

There are various ways in which the payment on a credit card can be made. One is to make the full payment by the due date, which will not invite any interest charges. The option is to pay only a part of the amount and pay interest on the remaining portion till it is repaid.

And now there is another choice, of paying in equated monthly instalments (EMI). This gives rise to a situation where the amount is paid off in parts, just like a loan. Just to give a very simple example, if there is an outstanding amount of Rs 7,200, then this might be converted into payments of Rs 1,200 for six months.

The first thing to ensure in the entire process is to find out if your issuer provides this option. Such a facility is not available at all times. There are situations where only specific purchases from select stores would be eligible for the EMI benefit.

For example, purchase of a refrigerator from a big retail chain might be eligible for the benefit but not if the same brand is bought from another distributor. In other cases, even within a particular store, only specific purchases (like suits or bridal wear, for example) are eligible for conversion into EMI for repayment. http://emicalculators.in/
lissa coffey
If lately, you have felt the need for that one website that will offer you complete information about the ‘credit score’ and everything that revolves around it then you have made your pit stop at the right place. Well, since we all use credit cards, the fact cannot be denied that the credit score has great relevancy in our lives. So, without any further ado, let straightway discuss the credit score in detail.

http://www.debtpro.co/wp-content/uploads/2016/11/Understand-Credit-Scores-Credit-Ratings-More-An-Ultimate-Guide.pdf
Laurenz Risseeuw
Investor Education Gateway by International Financial Securities Regulatory Commission

Welcome to the IOSCO Investor Education Gateway! This is the place to find information about many IOSCO members' on-line investor education activities, as well as IOSCO publications and presentations regarding investor education.

Investor Education has been and continues to be a significant part of multiple IOSCO seminar training programs. Additionally, and upon requests made by IOSCO members, dedicated Investor Education training has been organized and presented by IOSCO staff.

IOSCO has a major commitment to improving and promoting investor education. Just some of the priorities on the horizon for the IOSCO Education and Training team include:

- Conducting Investor Education Workshops;
- Expanding the Investor Education Gateway;
- Making investor education resources available for all IOSCO members;
- Continuing IOSCO research regarding all aspects of investor education, and offering assistance to IOSCO members with respect to their own investor education initiatives;
- Providing forums and other platforms for IOSCO members to share "Best Practices" and "Good Ideas";
- Analyze what does the current research show with respect to investor education?;
- Focus on what works and what does not work...and what is the proof if something does work?"

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
https://www.goodreads.com/topic/show/18163210-international-financial-securities-what-to-do-when-suspecting-a-scam
http://charlenewill06.edublogs.org/2016/06/27/international-financial-securities-what-to-do-when-suspecting-a-scam/
Laurenz Risseeuw likes this.
Charlette Terrones
What to do when suspecting a scam by International Financial Securities Regulatory Commission

Before you invest

Before you invest, always check first if the firm you plan to do business with is regulated by the relevant national competent authorities. These authorities give authorizations and licenses to regulated firms to do certain types of business and provide services. Complaints procedures and compensation schemes may vary between jurisdictions, therefore it is recommendable to find out what your rights are in the jurisdiction where the firm is regulated.

Investor warnings and alerts

Regulators issue warnings and alerts about companies that are found to be offering investment services without being authorized or regulated. These warnings and alerts are usually available on each regulator's website. The IOSCO Investor Alerts Portal provides a single point of access to alerts and warnings from IOSCO members about firms offering investment services in their jurisdictions without authorization. This portal does not provide a complete list of all alerts and warnings from all IOSCO members though.

When suspecting a scam

The IOSCO Investor Alerts Portal can be searched if you are suspecting a scam or other illegal investment activities, such as Ponzi schemes and boiler rooms. Potential investors should however not assume, in the absence of a relevant warning on the IOSCO Investor Alerts Portal, that companies who approach them offering investment services are authorized or legitimate. Rather, you should always check with your domestic regulator whether a company is authorized to provide investment services. See "About IOSCO>IOSCO Membership" for the contact details of all regulators that are members of IOSCO.

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
https://www.goodreads.com/topic/show/18163210-international-financial-securities-what-to-do-when-suspecting-a-scam
http://charlenewill06.edublogs.org/2016/06/27/international-financial-securities-what-to-do-when-suspecting-a-scam/
Charlette Terrones likes this.
anthony evans
International Financial Securities Regulatory Commission: Joint Press Release

Joint Press Release OF BELIZE INTERNATIONAL FINANCIAL SERVICES COMMISSION AND BELIZE INTERNATIONAL FINANCIAL SERVICES ASSOCIATION

As many of you may be aware, the Government of Belize is currently undertaking a fiscal debt restructuring exercise. With the global economic recession and the continuing economic lethargy, many countries have experienced a substantially increased fiscal debt burden. Over the past several years, while Belize has fared better than many including within the Caribbean and Central American region in weathering the recession, growth has largely remained stunted resulting in lower than expected tax revenues. The result is that the Government believes that the fiscal debt is not on a sustainable trajectory and that it is in the country’s long-term best interest that the restructuring is done to make it sustainable. This is the second debt restructuring exercise by the Government. The first was successfully completed in early 2007.

While the Government has undertaken these restructuring efforts, Belize’s international financial services industry has continued to grow steadily. Save and except for a temporary reduction in the throes of the global recession in 2008 and 2009, Belize IBC annual incorporations and renewals are at all time highs. This is supported by the continued entry and licensure of multi-jurisdictional international financial services practitioners. Belize’s international trust continues to experience increasing popularity while its relatively small but ever-growing international banking sector holds its highest deposits in the sector’s history.

Throughout this process of growth, there have been no legislative interventions whatsoever arising as a result of any Government debt restructuring exercise. Instead in 2009, Mutual Funds (Fees) Regulations were introduced to allow for the effective implementation of the registration process of private, professional and public mutual funds in Belize. In 2010, the legislature enacted the International Foundations Act and in early 2012, the International Limited Liability Companies Act came into force. All these laws were clearly introduced to enhance the offering of products in Belize’s international financial services sector. The Government of Belize has demonstrated itself to be a very strong supporter of Belize’s international financial services sector and the sector and its members and stakeholders have no cause to believe otherwise.

As regulator and regulated, we look forward to the continued growth and development of Belize’s international financial services sector with the full support of the Government of Belize.

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
https://www.goodreads.com/group/show/192669-international-financial-securities
https://www.quora.com/What-are-the-International-Financial-Securities-Regulatory-Commission
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Jaxon Laurantus
International Financial Securities Regulatory Commission: About Belize

Geography

Location:East Coast of Central America, bounded on the North by Mexico, on the South and West by Guatemala, and on the East by the Caribbean Sea
Capital and Major City & Towns: (Capital) Belmopan City ; (City) Belize City, (Towns) San Ignacio, Santa Elena, Corozal, Orange Walk, Dangriga, Punta Gorda, San Pedro and Benque Viejo del Carmen
Climate: Subtropical (dry and wet season)
Rainfall: Annual rainfall ranges from 60 inches in the North to 200 inches in the South
Land Area: 22,923 km. sq. or 8,867 sq. miles

People & Society

Nationality: Belizean
Official Language: English. Spanish is also widely spoken. There are also a number of indigenous languages e.g. Creole, Garifuna, Maya and Ketchi.
Total Population: 282,600 – (2004 mid-year estimates)
Density of Population: 31.9 – (2004)
Labour Force: 102,437 – (2003 LFS Survey)
Literacy Rate: 76.5 – (2000)
Religions: Predominantly Roman Catholics, Anglicans and Protestants. Small groups practise Islam, Buddhist, Hinduism and Bahai

Government

Form of Government: Democratic – Bicameral Legislature
Head of State: Queen Elizabeth II
Governor-General: Sir Colville N. Young Sr.
Head of Government: Prime Minister, Hon. Dean O. Barrow
Governing Party: United Democratic Party (UDP) 2013 – 2018
Next Election: By August 2018
Independence Day: September 21, 1981.
Business Hours: Government working hours: 8:00 am – Noon, 1:00 pm – 5:00pm (4:30 on Fridays) Banking: Mon. to Thur 8:00 am – 3:00 pm

Economy

Currency: Belize Dollar (Bz$)
Exchange Rate: US$1=Bz$2.00
Gross Domestic Product: US$673.5mn (1999)
Per Capita GDP: US$2,771.6 (1999)
Chief Products: Citrus, bananas, sugar, marine products, rice, red kidney beans, beef, pork, poultry, honey, garment, aerated beverages, alcoholic beverages, wheat flour, cigarettes.
Foreign Trade: Exports – US$166mn (1999); Imports – US$370mn(1999)
Principal Exports: Citrus, bananas, sugar, marine products, garments, and timber
Principal Imports: Machinery and transport equipment, manufactured goods, food and beverages, construction materials, fuel, and lubricants.
Major Trading Partners: The United States of America, United Kingdom, CARICOM, Guatemala, Mexico and Canada
Fuels: Lubricants and gas; all imported
Electricity Cost: US$0.19/Kwh. After the second phase of the Mollejon hydro project is completed, the electricity rate will decrease
Electric Power: Belize Electricity Limited; Voltage 110 Volts, Optional 220 Volts; Cost of Kwh: Bz$ 0.38(US$0.19). Type of Generating: Diesel. Continuity: 90% – 95%. Industrial Rate is available.
Telecommunications: All automatic systems: Direct dialing with major countries in the world. Telexes, faxes, cellular, email and internet are also readily available.

Other

Time zone: EST -1; GMT – 6
Phone Codes: Belize City (22), Belmopan (82), Orange Walk (32), Cayo (82), Dangriga (52), Punta Gorda (72), San Pedro (22), Caye Caulker (22), Placencia (52)
Major Ports: Belize City, Big Creek and Dangriga.
Major International Airport: Phillip S. W. Goldson International, 8 miles WNW of Belize City.
Entry Requirements: A valid passport is required of all visitors. Citizens of the United Kingdom, some Commonwealth countries, the European Union and the USA are not required to have a visa, provided they have a return or round trip ticket.
Departure Tax: Passengers who are nationals over 12 years pay US$11.25 and US$15.00 for non-nationals.

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
https://www.goodreads.com/group/show/192669-international-financial-securities
https://www.quora.com/What-are-the-International-Financial-Securities-Regulatory-Commission
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Nathan Blanch
About IFSC by International Financial Securities Regulatory Commission

BELIZE, an English-speaking country in the heart of Central America, is a relative newcomer in the field of international financial services. Since attaining independence from Britain in 1981, Belize has been endeavoring to diversify its economy away from the agricultural sector. Belize, therefore, saw the international financial services sector as a window of opportunity where it could seek to achieve competitive advantage. Belize also earns a substantial income from the tourism sector. In 1989, the enactment of the Registration of Merchant Ships Act which constituted an open ship registry, gave birth to the International Merchant Marine Registry of Belize (IMMARBE). Today, more than 3000 vessels fly the Belizean flag and there is a network of IMMARBE offices around the world. Belize has ratified most of the International Maritime Organization Safety Conventions.

In 1990, Belize enacted the International Business Companies Act based on the British Virgin Islands model. In a short space of ten years, Belize has registered more than 15,000 IBC’s. Belize’s IBC legislation is viewed internationally as one of the most modern and user-friendly. It is particularly designed with the offshore investor in mind. A Belizean IBC is an ideal corporate vehicle for international financial transactions and allows the investor to engage in a wide variety of activities ranging from asset protection to operating bank accounts, brokerage accounts, ship ownership, commission arrangements and various other commercial transactions.

The IBC legislation was supplemented in 1992 with the enactment of a Trusts Act which provides for both onshore and offshore trusts. Universally acknowledged as one of the best in the field, Belize’s trust law contains provisions that are specialty designed to meet the needs of differing and diverse cultures and religions.

Belize further expanded its offshore sector in 1996 with the passing of the Offshore Banking Act. This provides for two categories of offshore banking licenses – the Unrestricted “A” Class and the Restricted “B” Class license. The holder of a “B” Class license maintains lesser capital and is restricted to conducting certain limited business activities only.

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
https://www.goodreads.com/group/show/192669-international-financial-securities
https://www.quora.com/What-are-the-International-Financial-Securities-Regulatory-Commission
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Annabelle Mouratidis
International Financial Securities Regulatory Commission: Legal framework / Document repository

Legal framework
In this section you will find the general outline of the legal framework of company reporting.

Legal acts: Other

Status Name
Proposal Proposal for a Regulation of the European Parliament and of the Council amending Regulation (EU) No 258/2014 establishing a Union Programme to support specific activities in the field of financial reporting and auditing for the period of 2014-20 (COM/2016/202)

In force Regulation (EU) No 258/2014 of the European Parliament and of the Council of 3 April 2014 establishing a Union programme to support specific activities in the field of financial reporting and auditing for the period of 2014-20 and repealing Decision No 716/2009/EC (258/2014/EU)

Repealed Decision No 716/2009/EC of the European Parliament and of the Council of 16 September 2009 establishing a Community programme to support specific activities in the field of financial services, financial reporting and auditing (716/2009/EC)

In force Commission Recommendation of 11 October 2007 on the electronic network of officially appointed mechanisms for the central storage of regulated information referred to in Directive 2004/109/EC of the European Parliament and of the Council (notified under document number C(2007) 4607) (2007/657/EC)

In force Commission Directive 2007/14/EC of 8 March 2007 laying down detailed rules for the implementation of certain provisions of Directive 2004/109/EC on the harmonisation of transparency requirements in relation to information about issuers whose securities are admitted to trading on a regulated market (2007/14/EC)

In force Commission Recommendation of 6 May 2003 concerning the definition of micro, small and medium-sized enterprises (Text with EEA relevance) (notified under document number C(2003) 1422) (2003/361/EC)

In force Commission Recommendation of 30 May 2001 on the recognition, measurement and disclosure of environmental issues in the annual accounts and annual reports of companies (notified under document number C(2001) 1495) (2001/453/EC)

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
https://www.goodreads.com/group/show/192669-international-financial-securities
https://www.quora.com/What-are-the-International-Financial-Securities-Regulatory-Commission
Annabelle Mouratidis likes this.
Laurenz Risseeuw
International Financial Securities Regulatory Commission: Reporting by undertakings with listed securities

The Transparency Directive prescribes for Member States to set out rules for issuers with securities admitted to trading on an EU regulated market so that they disclose certain key information about their operation. With such a transparency, European issuers build sustained investor confidence and contribute to the capital market union.

Legal framework
Basic acts
- Directive 2004/109/EC of the European Parliament and of the Council of 15 December 2004 on the harmonisation of transparency requirements in relation to information about issuers whose securities are admitted to trading on a regulated market and amending Directive 2001/34/EC (Directive 2004/104/EC) – consolidated version including subsequent amendments

Other acts
- Equivalence of third country accounting standards: Read more (Later)

Other acts
- Commission Delegated Regulation (EU) 2015/761 of 17 December 2014 supplementing Directive 2004/109/EC of the European Parliament and of the Council with regard to certain regulatory technical standards on major holdings (Regulation 2015/761/EU)
- Commission Recommendation of 11 October 2007 on the electronic network of officially appointed mechanisms for the central storage of regulated information referred to in Directive 2004/109/EC of the European Parliament and of the Council (notified under document number C(2007) 4607) (Recommendation 2007/657/EC)
- Commission Directive 2007/14/EC of 8 March 2007 laying down detailed rules for the implementation of certain provisions of Directive 2004/109/EC on the harmonisation of transparency requirements in relation to information about issuers whose securities are admitted to trading on a regulated market (Directive 2007/14/EC) – consolidated version including subsequent amendments

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
https://www.mendeley.com/groups/8926051/international-financial-securities/
https://www.goodreads.com/group/show/192669-international-financial-securities
Laurenz Risseeuw likes this.
anthony evans
Public Country-By-Country Reporting / Corporate tax transparency by International Financial Securities Regulatory Commission

With the rules on country-by-country reporting, the EU has created a framework where businesses in the extractive and logging industries have to publish their payments to governments relating to the exploitation of natural resources. This will assist populations of resource-rich countries to hold their governments accountable for these proceeds.

In addition, a country-by-country reporting is also required from EU credit institutions (banks). This will ensure that trust in the financial sector is regained. On 12 April 2016, the Commission adopted a proposal for a Directive which imposes on EU and non-EU multinational groups the publication of a yearly report on the profit and tax paid and other information.

Extractive and logging industries: sectoral Country-by country reporting

In the European Union, companies with activities in the extractive and forestry must disclose the payments they make to governments on a country-by-country basis and, where appropriate on project-by-project basis. This enhances government accountability and facilitates the adoption of the Extractive Industry Transparency Initiative by countries.

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
https://www.mendeley.com/groups/8926051/international-financial-securities/
https://www.goodreads.com/group/show/192669-international-financial-securities
anthony evans likes this.
Kevin Cottrell
Non-Financial Reporting by International Financial Securities Regulatory Commission

Financial and non-financial reporting provides shareholders and other stakeholders with a meaningful, comprehensive view of the position and performance of companies.

Large public-interest entities (listed companies, banks, insurance undertakings and other companies that are so designated by Member States) with more than 500 employees should disclose in their management report relevant and useful information on their policies, main risks and outcomes relating to at least

- environmental matters,
- social and employee aspects,
- respect for human rights,
- anticorruption and bribery issues, and
- diversity in their board of directors.

There is significant flexibility for companies to disclose relevant information (including reporting in a separate report), as well as they may rely on international, European or national guidelines (e.g. the UN Global Compact, the OECD Guidelines for Multinational Enterprises, ISO 26000, etc.).

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
https://www.mendeley.com/groups/8926051/international-financial-securities/
https://www.goodreads.com/group/show/192669-international-financial-securities
Kevin Cottrell likes this.
David Medley
Non-IFRS financial statements by International Financial Securities Regulatory Commission

Because some companies have limited liability, the protection of shareholders, members and third parties dealing with these companies is of special importance. With the Accounting Directive, Member States are given direction on the reporting by such companies.

The Directive addresses the presentation and content of the annual or consolidated financial statements, of the management reports, of the measurement bases used and of publication. With this shared set of principles, non-IFRS financial statements in the EU are not only of high quality, but also comparable to a great extent.

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
https://www.mendeley.com/groups/8926051/international-financial-securities/
https://www.goodreads.com/group/show/192669-international-financial-securities
David Medley likes this.
Nathan Blanch
OVERVIEW by International Financial Securities Regulatory Commission

IFC PROVIDES COMPREHENSIVE SOLUTIONS TO CLIENTS IN DEVELOPING COUNTRIES TO ADDRESS TODAY’S GREATEST DEVELOPMENT CHALLENGES.

IFC’s offerings are designed to meet the specific needs of our clients in different industries, with a special focus on infrastructure, manufacturing, agribusiness, services, and financial markets.

Our financial products enable companies to manage risk and broaden their access to foreign and domestic capital markets. Our advice helps unlock private sector investment, which is essential for expanding businesses, creating jobs, and growing economies.

We work with the private sector to encourage entrepreneurship and build sustainable businesses—advising them on a wide range of issues, including environmental, social and governance standards, energy and resource efficiency, and supply chains. We help expand access to critical finance for individuals and micro, small, and medium enterprises through our work with financial intermediary clients.

We also measure our results and those of our clients to assess whether we are contributing effectively to our goals of ending extreme poverty and boosting shared prosperity—and whether our work is making a difference to the people and markets that most need our help.

In fiscal year 2015, our long-term investments in developing countries totaled $17.7 billion, a 17 percent increase over the previous year. More than a third of that amount—over $7 billion—was mobilized from other investors.

PRODUCTS & SERVICES

Loans
Equity
Trade and Supply Chain Finance
Syndications
Treasury Client Solutions
Venture Capital
Advisory
Asset Management

EXPERTISE

Agribusiness and Forestry
Financial Institutions
Funds
Health and Education
Infrastructure
Manufacturing
Oil, Gas, and Mining
Public-Private Partnerships
Telecommunications, Media and Technology

Tourism, Retail and Property

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
https://www.scribd.com/doc/316510234/2016-Ft-Ifc-Transformational-Business-Awards-and-Conference
http://www.magcloud.com/browse/issue/1128532
Nathan Blanch likes this.
Annabelle Mouratidis
International Financial Securities Regulatory Commission Regulation on the application of International Financial Reporting Standards
The objective of adopting International Financial Reporting Standards (IFRS) issued by the International Accounting Standards Board (IASB) is to standardise companies’ financial reporting so that:

- financial statements are more transparent and comparable;
- the EU capital market and the single market can operate efficiently.

To achieve this objective, Regulation (EC) No 1606/2002 was adopted (the “IAS Regulation” or Regulation on the application of International Financial Reporting Standards). The scope of the IAS Regulation is as follows:

- Basic rule – IFRS shall be applied to the consolidated financial statements of EU companies whose securities are traded on a regulated EU market.
- Discretionary application – EU countries can opt to extend the use of IFRS to annual financial statements and non-listed companies as well.

A dedicated endorsement process was established together with new consultative and advisory organisations (ARC and EFRAG).

IFRSs are adopted by the EU in the form of regulations, which are published in the Official Journal of the European Union. Regulations are directly applicable in all Member States.

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
https://www.mendeley.com/groups/8926051/international-financial-securities/
https://www.goodreads.com/group/show/192669-international-financial-securities
Annabelle Mouratidis likes this.
Charlette Terrones
2016 FT/IFC Transformational Business Awards And Conference by International Financial Securities Regulatory Commission

The FT/IFC Transformational Business Awards and Conference celebrate innovative initiatives that contribute to significant progress in sustainable development around the world.

This year, the events built on the momentum generated by the United Nations’ 2015 Climate Change Conference (COP 21). One focus was on the challenges climate change bring to developing economies, particularly in urban areas, and on groundbreaking private sector solutions that are addressing those threats or have the potential to do so.

Global thought leaders from the public and private sector also debated the role that the private sector can play in meeting the recently adopted Sustainable Development Goals—in particular the targets around food security and health—and how new technology and disruptive models can be applied to tackling global challenges. The awards also reflected these themes.

The two events took place on June 9, in London.

THE WINNERS IN EACH CATEGORY OF THE AWARDS WERE:

LOW-CARBON URBAN TRANSFORMATION
Clean City Transit, China and Europe
Based primarily in China, Microvast have developed, manufactured, and sold battery power solutions to 10,000 electric buses in 26 provinces across China and four European countries. Their latest development is an ultra-fast charging battery pack, MVPACK, specifically designed for use in cars, with a battery life that matches the life of the vehicle. The convenience of this environmentally friendly energy solution is expected to encourage and contribute to the mass adoption of affordable electric vehicles, and the long-term electrification of urban transport systems.

TRANSFORMATIONAL TECHNOLOGY
Piramal Sarvajal, India
Piramal Sarvajal designs and deploys innovative technology to ensure safe water access for India’s rural villages. The company installs local, remotely tracked water purification systems, and has built a strong network of “water ATMs”, solar-powered, cloud-connected vending machines that dispense water for villagers at the swipe of a smart card. As the ATMs track every transaction that takes place, they enable sophisticated market forecasting and 24-hour access to water, as well as the possibility to provide targeted subsidies to certain villages through government-run programs.

TRANSFORMATIONAL FINANCE
Marine Protected Areas, Seychelles
NatureVest’s restructuring of the Seychelles’ sovereign debt has converted a portion of this debt back into a local currency payment stream, to be used to support conservation in the local area. The restructuring provides $281,000 per year for marine conservation activities, and will also see the Seychelles increase its marine protected area in return. This collaboration is the first time that private investment capital has been used to finance a debt-for-nature swap, proving that this model is viable and replicable as a conservation method.

SUSTAINABLE DEVELOPMENT: SUSTAINABLE AGRICULTURE
Farmerline MERGDATA, Ghana
Farmerline’s technology enables communication with farmers in rural areas that would be otherwise out-of-reach due to barriers in connectivity, literacy, or language. MERGDATA is available via voice technology in local languages, and provides information including agricultural tips, weather data, and market pricing to farmers even in low-connectivity areas.

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
https://www.mendeley.com/groups/8926051/international-financial-securities/
https://www.goodreads.com/group/show/192669-international-financial-securities
https://www.quora.com/What-are-the-International-Financial-Securities-Regulatory-Commission
Charlette Terrones likes this.
Luis Williams
International Financial Securities Regulatory Commission: Tips on Effective Practices for Digital Investment Advice

According to a recent report from Financial Industry Regulatory Authority (FINRA), firms providing financial services through “digital investment advice” require sound supervision and governance, plus effective ways of determining appropriateness of advices, conflicts of interest, client risk tolerance and portfolio rebalancing. Likewise, the report provides helpful tips for investors and emphasizes the importance of training and education for financial experts who utilize digital investment advice applications.

FINRA released the report to provide the public effective practices pertaining to digital investment advice services and to inform member companies of their duties under FINRA regulations. The report highlights the fact that global expenditures on online wealth-management services will continue to grow substantially.

"We believe that the report offers guidance and information for FINRA member companies and investors regarding vital aspects of the fast-growing field of digital investment advice," noted Richard Ketchum, FINRA’S Chairman and CEO. "As these services evolve, member firms must ascertain that the main objectives of investor protection – for instance, comprehending and answering customers' requirements and goals – also support the foundation of these new tools."

FINRA’s report summarizes effective practices and regulatory guidelines in five key areas:

1. Administration and oversight of algorithms, which also involves evaluating first the digital tools’ methodology used and the dependability and quality of raw data processed, plus monitoring continuously to check if the tools deliver what they promise to do, and evaluating whether the tool utilizes up-to-date models consistent with current market realities;
2. Customer profiling, which includes evaluating both their risk tolerance and risk acceptability, and resolving inconsistent or conflicting feedback in customer-submitted information;
3. Administration and oversight of portfolios and conflicts of interest, plus evaluating the risk, portfolio benefits and diversification qualities appropriate for a particular investor profile, and reducing – through transparency and prevention – issues that may result from the securities options for a specific portfolio;
4. Rebalancing, and in addition, proffering ways of how the rebalancing helps as well as methods that exhibit how the tools will serve to address drastic market conditions;
5. Training that enables financial professionals to understand the key assumptions and limitations of individual digital investment advice tools, and determine when use of a tool may not be appropriate for a client.

In addition, the report recommends to investors that they assess whether their financial services firm is getting sufficient information to comprehend their needs and risk capability. Conflicts of interest can arise from digital investment advice, FINRA reminds investors; and that whatever advice given to them will depend largely on the investment strategy and appurtenant input data utilized in the digital application. Moreover, FINRA suggests that investors are well aware of the necessary fees they are charged and services provided, in particular, portfolio rebalancing and others.

The Financial Industry Regulatory Authority (FINRA) is recognized as the biggest independent securities regulation agency for all firms operating in the United States. FINRA commits to safeguard the interests of the investor as well as the integrity of the securities market through efficient regulation and appurtenant compliance and technology-based systems.

Backlinks:
https://www.mendeley.com/groups/8926051/international-financial-securities/
https://www.goodreads.com/group/show/192669-international-financial-securities
Luis Williams likes this.
Jason Forney
International Financial Securities Regulatory Commission: Fool-proof Investing Tips

P. T. Barnum is credited for giving us the adage: A sucker is born every day. In fact, it does not have to be April Fool’s Day for both sides of the deal (the fool and the fooled) to sprout like mushrooms after the thunderstorm. And since April brings both rain and brain-drain, it is quite appropriate that it is also Financial Literacy Month. The Financial industry Regulatory Authority (FINRA) provides five tips to inform investors on how to protect their money from fraudsters.

Gerry Walsh, the Senior VP of Investor Education at FINRA, said, “April Fool’s Day comes only once a year when people play on each other for fun. But fraudsters go about their practice all-year-round to fool people out of serious money; and, to really begin having fun and keep your money as well, make sure we know how to become more informed investors.”

Here are some tips:
1. Get to know the people you transact with. Be very choosy when it comes to picking a financial advisor, clearly explaining your financial goals and requirements, the types of individuals or firms you can feel you are comfortable working with. Get referrals from your associates and friends and do the dirty job of interviewing a chosen few you believe will satisfy your standards. Ask as many questions as you can: for example, if they have had experience dealing with people who have similar needs as yours; do some background investigations; ask how they want to be paid and if they charge other fees and additional expenses for doing certain related tasks. Make sure you work only with people who are duly registered and also look up their employment and regulatory track records. To facilitate this step, you can do a quick and easy check with BrokerCheck® for free.

2. Learn how to collaborate effectively with your financial advisor. Be honest and transparent about your investment goals and the risk level you can handle. Do an in-depth study before entering into an investment contract. Keep in mind that reading the sales brochures or promotional materials is not enough. Strive to gain a full comprehension of the investment or strategy by inquiring about all possible benefits and risks—as well as how the investment will work out to obtain your objectives. Always keep a watchful eye on your account, as well as on fees, statements of account and transaction validations. Be careful of sales pitches that contain unrealistic promises about productivity or guaranteed profits.

3. Learn the various kinds of investments and how they can help you attain your financial objectives. Each type possesses its own unique features, liquidity, costs, risk levels and use. Consequently, inquire about these aspects and think of how you can combine them effectively to maximize rewards. You can accomplish this task by assuring that you have a working knowledge about bonds, stocks, bank products, investment funds and others for specific uses, such as college or retirement savings. Always read first and comprehend everything you can about a product’s features and requirements before investing in it or signing a contract.

4. Watch out for danger signs pointing to fraudulent deals. In particular, take note of too consistent profits, guarantees, intricate schemes, unregistered products, incomplete records, account inconsistencies and very persistent sales personnel. Most financial advisors can be trusted; still, you might encounter a few who will abuse your trust upon them. Learn how to determine how con artists work in their game and keep a healthy dose of skepticism.

Backlinks:
https://www.mendeley.com/groups/8926051/international-financial-securities/
https://www.goodreads.com/group/show/192669-international-financial-securities
Jason Forney likes this.
David Medley
International Financial Securities Regulatory Commission: Scaling Solar Delivers Low-Cost Clean Energy For Zambia

Adding power capacity is a matter of urgency in Zambia, where only one fifth of the population has access to electricity and two years of drought have crippled existing hydropower facilities, causing a national electricity crisis.

It was in this context that the southern African country signed up to try Scaling Solar, a World Bank Group program designed to make it easier for governments to procure solar power quickly and at low cost through competitive tendering and pre-set financing, insurance products, and risk products.

The results of the first auction, which took place in May, have surpassed even the most optimistic expectations, with seven of the world’s leading renewables developers competing for the opportunity to build Zambia’s first large-scale solar plants.

The winning bids were for just 6.02 cents per kilowatt hour and 7.84 cents per kilowatt hour—the lowest prices for solar power to date in Africa, and among the lowest recorded anywhere in the world.

“This is a tremendous result for Zambia and for Scaling Solar, which has proved itself as a vehicle to open up new markets for clean energy,” said Philippe Le Houérou, IFC’s Chief Executive Officer and Executive Vice President. “It is now possible for governments across sub-Saharan Africa to look first to solar power as a solution for inexpensive, quick-to-build power—something unimaginable outside of South Africa until now.”

Because the 6-cent Zambia tariff is fixed for 25 years and won’t rise with inflation, it represents about 4.7 cents per kilowatt hour over the life of the project—on par with recent auctions in Peru and Mexico.

Scaling Solar has also delivered on its promise of speed: Zambia’s results come just nine months after the government first engaged IFC to advise on the transaction. The winning bidders—Neoen/First Solar and Enel—are expected to reach financial close on the projects within three months and complete construction a year later. This is especially critical in Zambia, where blackouts happen daily. The two new solar power plants will increase the country’s available generating capacity by 5 percent and will also help to restore water levels in its dams.

Zambia has already committed to a second round of Scaling Solar tendering, and Senegal and Madagascar have also signed up. Given growing interest in the program, Scaling Solar is now targeting developing 1 gigawatt of solar power in the next three years. At the tariffs recorded in Zambia, this would provide African consumers with more than $7 billion in savings compared to oil-based power, which costs about 20 cents per kilowatt hour.

Scaling Solar has financing support from USAID’s Power Africa, the Ministry of Foreign Affairs of the Netherlands, the Ministry of Foreign Affairs of Denmark, and the Infrastructure Development Collaboration Partnership Fund (DevCo). For more information, visit www.scalingsolar.org.

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
http://www.ifc.org/wps/wcm/connect/corp_ext_content/ifc_external_corporate_site/home
https://www.iosco.org/
https://www.finra.org/
David Medley likes this.
Jaxon Laurantus
International Financial Securities Regulatory Commission - Have a Problem

Most business in the securities industry is conducted fairly, efficiently and in a manner that satisfies everyone involved. But problems can arise. If you believe that a sales person, brokerage firm or other industry professional has treated you unfairly, contact the firm to see if you can resolve the issue. If you are still not satisfied with the firm's response, you can file a complaint with FINRA.

We investigate complaints against brokerage firms and their employees—and can take disciplinary actions against brokers and firms who violate the rules. Sanctions may include fines, suspensions, a barring from the securities industry or other appropriate sanctions.

Use these resources to help you resolve potential problems.

File a Complaint
Use FINRA’s Investor Complaint Center to report any fraudulent or suspicious activities by brokers.

FINRA Securities Helpline for Seniors
A toll-free number that senior investors can call to get assistance from FINRA or raise concerns about issues with brokerage accounts and investments.

Dispute Resolution
FINRA operates the largest dispute resolution forum in the securities industry. Learn how both arbitration and mediation work.

Payments for Harmed Investors
FINRA, the SEC and other regulators are sometimes able to recover money or securities for harmed investors through a process known as restitution.

Your Rights Under SIPC Protection
The Securities Investor Protection Corporation (SIPC) provides limited coverage to investors on their brokerage accounts if their investment firm becomes insolvent.

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
http://moblog.net/view/999674/international-financial-securities-regulatory-commission-products-professionals
http://www.magcloud.com/browse/issue/1141368
Jaxon Laurantus and David Medley like this.
Nathan Blanch
International Financial Securities Regulatory Commission : Protect Your Money

Investor protection is an integral part of FINRA’s mission. Unfortunately, far too many investors fall victim to Ponzi schemes, pump-and-dump scams and other types of investment fraud. The good news is that fraud and the growing threat of identity theft can often be avoided.

We’ll help you spot the red flags of fraud and identity theft, and avoid the persuasion tactics of fraudsters. It’s also vital to know the right questions to ask about investments and the people who pitch them—and where to go to verify the answers. After all, it’s your money—learn how to protect it.

Investor Alerts
Check out the latest Investor Alerts from FINRA and other regulators.

Ask and Check
Ask the right questions and verify the answers before you work with an investment professional or buy an investment product.

Avoid Fraud
Even if you have never been subjected to an investment fraudster’s sales pitch, you probably know someone who has. The more you know about the types of fraud and tactics used the better equipped you’ll be to avoid it.

Protect Your Identity
Identity theft occurs when someone obtains your personal information and uses it to steal your money or commit fraud or other crimes. Here's how to safeguard your identity.

The International Financial Securities Regulatory Commission was established to promote investor confidence in the securities and capital markets by providing more structure and government oversight.

Backlinks:
http://moblog.net/view/999674/international-financial-securities-regulatory-commission-products-professionals
http://www.magcloud.com/browse/issue/1141368
Nathan Blanch likes this.

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International Financial Securities Regulatory Commission 2016 FT/IFC TRANSFORMATIONAL BUSINESS AWARDS AND CONFERENCE

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